Most clinics partner with healthcare finance providers like Klarna, PayPal Credit, or specialist medical finance companies. You apply during booking, receive an instant decision, and if approved, pay a small deposit. The remaining balance is split into monthly instalments.
Will I be credit checked?
Yes, most payment plan providers perform a soft or hard credit check. Soft checks don't affect your credit score and give you an eligibility indication. A hard check is performed when you confirm the finance agreement.
Is there a 0% interest option?
Some clinics offer 0% interest if you pay within a certain period (e.g., 6-12 months). Longer payment terms may incur interest. Check with each clinic for their specific finance options and terms.
Can I use a payment plan AND Right to Choose?
NHS Right to Choose provides free assessment if eligible, making payment plans unnecessary. However, 3 of these clinics also accept Right to Choose if you'd prefer that route. You can also use payment plans for any follow-up costs not covered by the NHS.
What if I can't get finance approved?
If you're declined for finance, some clinics offer their own payment plans with less strict requirements. You could also consider saving up, using a 0% credit card, or exploring NHS Right to Choose as a free alternative.